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Amerisave Mortgage Company in North Carolina

HMDA record for properties in North Carolina, calendar year 2024. National record · North Carolina overview

LEI 549300YIQ7S7Z8PIHE53
Reporting agency Department of Housing and Urban Development
State North Carolina

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

Amerisave Mortgage Company's 2024 HMDA record for North Carolina covers 5,106 applications, 851 of them originated, worth $128m.

Its denial rate in the state was 80.3%, above the North Carolina rate of 24.0% across all lenders and compared with the lender's national rate of 81.9%.

The median rate spread on its North Carolina originations was 1.5 percentage points (state median 0.2).

Applications in the state were up 10% on 2023.

5,106applications in NC, 20244.8% of the lender's total
851loans originated$128m
80.3%denial rateNC all lenders 24.0%
1.5 ppmedian rate spreadNC 0.2 pp

Compared with the state and the lender's national record

MeasureIn North CarolinaNorth Carolina, all lendersAmerisave Mortgage Company, all statesUnited States
Denial rate80.3%24.0%81.9%24.3%
Median rate spread, pp1.50.23.10.3
Originations with spread of 1.5 pp or more50.4%11.8%54.7%15.6%
Average originated loan$151k$299k$145k$329k
Home purchase share6.9%56.3%6.6%57.0%
FHA-insured share24.0%11.8%20.9%13.4%
VA-guaranteed share6.9%11.8%5.2%7.9%

Trend by year

ApplicationsOriginations

04,2668,5322022: 8,532 Applications2023: 4,647 Applications2024: 5,106 Applications2022: 2,321 Originations2023: 785 Originations2024: 851 Originations202220232024
Amerisave Mortgage Company in North Carolina: applications and originations, 2022–2024

This lender in stateNorth Carolina, all lenders

0%40.1%80.3%2022: 49.4% This lender in state2023: 55% This lender in state2024: 80.3% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in North Carolina

By purpose

Home purchase 7% (59)Refinancing 2% (20)Cash-out refinancing 91% (772)

By type

Conventional 69% (588)FHA 24% (204)VA 7% (59)

Denial reasons as coded

Credit application incomplete70.4%
Credit history10.3%
Debt-to-income ratio7.4%
Unverifiable information4.7%
Collateral4.5%
Insufficient cash (downpayment, closing costs)1.4%
Other1.2%
Employment history0.1%
Mortgage insurance denied0%

Share of 3,525 denials in North Carolina by first denial reason coded (outlined bar: all lenders in the state).

Counties in North Carolina

CountyApplicationsOriginationsAmountDenial rate
Mecklenburg County53788$15m79.8%
Wake County49072$13m82.5%
Guilford County24045$6.5m77.8%
Union County16337$7.1m74.1%
Johnston County15634$6.2m73.7%
Cumberland County19232$3.5m80.7%
Forsyth County15728$3.4m80.4%
Cabarrus County14726$3.8m80.2%
Iredell County11023$3.3m75.8%
Brunswick County12420$3.0m81.3%
Onslow County8920$2.8m75.0%
Gaston County14519$2.3m84.6%
Catawba County8018$2.9m71.9%
Buncombe County9016$2.0m80.2%
Harnett County9415$2.6m79.5%
Rowan County8115$2.3m78.9%
Durham County11113$2.2m87.1%
New Hanover County9913$1.1m84.9%
Alamance County7013$2.3m78.0%
Lincoln County6113$2.6m77.2%
Pitt County8312$1.3m80.9%
Wayne County5112$2.0m72.7%
Franklin County4012$1.3m62.5%
Davidson County9111$1.7m86.1%
Cleveland County5311$1.5m73.8%
Moore County4910$1.3m74.4%
Granville County3710$2.2m71.4%
Randolph County549$1.0m80.9%
Craven County549$1.0m78.0%
Rockingham County519$765k79.5%
Henderson County618$1.6m83.0%
Hoke County398$970k76.5%
Chatham County308$1.8m68.0%
Burke County497$705k81.1%
Stanly County477$775k82.2%
Orange County467$1.4m80.6%
Nash County447$965k81.1%
Pender County387$785k77.4%
Stokes County267$905k72.0%
Pasquotank County276$870k—

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Amerisave Mortgage Company originate in North Carolina in 2024?

851 loans totalling $128m, from 5,106 applications reported for properties in North Carolina.

What is Amerisave Mortgage Company's denial rate in North Carolina?

80.3% of decided applications in North Carolina were denied, against 24.0% for all lenders in the state and 81.9% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which North Carolina counties does Amerisave Mortgage Company lend in most?

By originations: Mecklenburg County (88), Wake County (72), Guilford County (45), Union County (37), Johnston County (34).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in North Carolina. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.